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Studied econ/finance, and know darn well paying off a low rate mortgage is non-optimal, and I am sitting with enough free cash for the first time in my life to be able to kill the mortgage and can’t shake the motivation to pay it off. Damn my reptile brain or whatever is doing that to me...!

This correction was my first 6 digit net worth drop. Didn’t even blink, in fact I found myself thinking about those two old rich dudes at the party in that movie trading places (eddie murphy/dan akroid) who would purposely try to lose money on their bets. I am certainly not trying to lose...

Anyone hold both business and personal accounts at vanguard? I’ve held all my account at Tdameritrade for 20 years. I have been making use of the zero-commission vanguard etf until they just discontinued that program this winter. So.... I started moving accounts to vanguard proper, and hitting...

I am going to be in charge of a trust for my sister who is early 30s and has had a bad heroine problem since 16yo. Trust will likely be 100-150, and she is losing her mind, fighting about it in the room of her dying grandfather. Obviously she isnt all there, basically a person who has failed to...

Has anyone ever had password/identitytheft result in someone emptying your account(s)? If this did happen, say from tdameritade, etc, is there any recourse assuming the criminal is untouchable?

When you read in articles that investors moved 10billion in or out of certain market, how is that determined? Seems to me for every sell there is a buy, and should wash transactionally. It can't just be pure market value either. Can't intuitively wrap my mind around that measurement.

Many people who are considered tremendously successful by others never feel successful themselves. If you are one of those people, I pity you and you can't really answer my question. For everyone who has had a full life, and reached a point in life where they look around them and decide they...

One of my fears for the US market is a Japan-style 20 year stagnation as Asia and other countries come to the forefront of the world economy. If you believe this is impossible for the US, I won't argue, but please suspend disbelief within this thread if you can. My Question is, what could a...

Has anyone here ever pursued a CFP AFTER self educating on LBYM/FIRE? I wonder if there is additional "retirement alpha" to be gained by looking into the materials and studying. Its just the kind of weird thing I would think about doing.

Just wondering if a lot of people here bought themselves any of those high end brk A share for a cool 1/4 mill. If you did, do you have 1 for fun or more? Will you keep it after Buffet dies?

Spreadsheet says net worth (with house equity) is now above $1m. Long time coming, feels good, needed to share. Thanks for listening.

My wife with all her wisdom once asked me what exactly was going to happen after our savings hits some arbitrary number that I claimed was a "goal" and droned on about for years. "Well," I said with absolutely no significant thought, "I'm gonna buy a cake, of course." So now every goal I make...

I'm taking a philosophy course on "economic justice". Reading the usual suspects, Locke, Smith, Hume, so on. But also modern, Stigtliz, etc. Anyone around here interested in sharing their own thoughts on the ideas of such men? Sent from my iPhone using Early Retirement Forum

Seems like most of my vanguard etfs are doing the dividends this coming week, starting the 15th. Much earlier than usual. Anyone know why? Sent from my iPhone using Early Retirement Forum

I know many here are like me and run a small business. Have any of you transitioned to small venture capital as a hobby or to stay busy in retirement? Sent from my iPhone using Early Retirement Forum

Imagine a world, where we have the science to put you to sleep for 10 years. It's safe at ten years or less, you don't age, no side effects, and relative cheap, let's say 20k a head. Would you, at any point in your life, sleep a decade to boost investments? You can bring your spouse and anyone...

After reading this article, I'm rethinking thge intelligence of using automatic DRIP through my broker.... Thing is, doing it manually also create drag assuming a rising market on average. Might have to transfer assets to MFs in order to satisfy my OCD need for efficiency...

I'm studying college level finance right now, with the hopes of better understanding my retirement savings and the market. Getting a refresher course in st.dev., etc. For broad index etf's like VIG, VEU, VWO, what is an intelligent amount of time over which historical stdev should reasonably...

With the pot legalization movement seeming get traction, would that have any substitution effect for consumers against pot or tobacco, long term? Big tobacco i think would jump in the game, so i am more interested how it would affect alcohol sales. Or, maybe i should be focusing on snacks...

So I'm exploring efficient frontier math, trying to understand what profound ideas it can teach me. I've captured the adjusted price history of all the etf's i use in my portfolio, and from that built all the math needed to run 10,000 simulations of different weights with standard deviation and...

I'm 37, planning to stop saving heavily at 40 and let compounding do the work while I either dial back work or dial up spending or both. For others planning similar, how are you analyzing the numbers to decide when and how much you need? Assumption, retirement funds go untouched, or slightly...

1 year update - couldn't reply to old thread due to age http://www.early-retirement.org/forums/f26/hi-schizo-saver-from-it-72421.html about to turn 37 now.... 525k total 100k in each of below: VIG - US Large Div Increasers VOE - US Mid Val VBR - US Small Val VEU - Ex US Large (includes...

Time to upgrade the iphones. Being [relatively] cheap, I would like to get last years model around the time the next model releases. Any suggestions on where to buy secondhand? or even B-stock?

Probably well known among many, but not me. Realized I can use firecalc with a negative withdrawal amount to model my portfolio growth possibilities. The negative withdrawal being contributions of course. Seems like it's accurate, except for the Potfolio bottom value seems to max out at the...

I want to measure the historical volatility of my ETF, and really the underlying index where possible. Right now I am using this page to gauge the volatility of my Vanguard ETF's. Stock and Volatility Quotes for QQQ I'm sure there must be a better site somewhere with different options...